My Delta Gold Sky Miles came in the mail yesterday (woo hoo!) and I was able to convert it to Blue Cash. He said it was a soft pull. I didn't ask for a CLI - but went online later to apply for CLEAR. Clearly I had too much wine, because I think you need scores in the 700s. It came back - "we'll let you know"...
So I called AMEX today about something else and she said she had approval for the CLEAR card that I applied for - would I like her to process it. Heck yeah!! Turns out it was for 5k !!! My Delta is for 2k ! Both are great cards. I'm so happy. My EX yesterday was 653 and my EQ is 661 - so I guess other things play a part in the approvals.
well boo hoo for you . consider yourself lucky as i got approved for BOA AMEX at $500 limit. i consider it a slap in da face with my income of mid 6 figures. i have the means, i just wanted adequate credit lines on my cards. this is the lowest i have. so i think im gonna place my CD's at anotheer institution, i get invited to wamu a lot by mail.
Montana - Do you have other Amex cards and what are your scores? That limit seems low yet, my very own bank of 15 yrs has only given me a new shiny SECURED 500 CL card. Ugh.... when I have so much other unsecured credit. But al of this happened after I applied with them, when my score was about 20 points lower... anyways, they'll graduate that card in time.
Montana,I've read your posts...but can't recall. Don't you have the Dr. degree ? Anyways, I think I read a bunch of great news from you recently.. yes?
I am not a Dr. I run an investment firm. However with my income i have credit cards that are just too low in credit limit. Could it be because i purchased our home in san francisco with a check rather then applying for mortgage? i don't know but I think $500 is about what i would spend for an hour of exotic dancer in my office. lol
I do not have any other AMEX cards, however i am AU on gold amex at my firm.
Experian reports me as having a credit only for the last 6 month and that's where BOA AMEX pulls from. They said that they looked at all 3 at the time but it' not true. i just checked at truecredit.com Anyway, I think i am going to take my and my family's CD's to another bank. maybe wamu, who gave me $2,500 credit card on the spot at the time of opening a new account. ( I never banked at wamu before )
I called the BOFA today ( they ran an inquiry this morning on me with TU - my best scroe of all 3 ) and they upped the limit on my BOFA AMEX Rewards to a $1,000. So I guess it's been worth the phone calls I made to BOFA.
Thanks to all who reads and replies to my posts.
I also got APPROVED for $2,000 limit AMEX GOLD DELTA today.
They said at BOFA that it's their own money they put up for the limit and not the AMEX. Hence the tight lending standards.